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Unlock more rewarding banking with Kuda Premium
Earn cashback, enjoy discounts from popular brands, and get priority support.
More features
Get higher savings rates, budgeting, and more special features.
More rewards
Earn cashback on bills, and access exclusive rewards.
More perks
Enjoy discounts and perks from popular brands.
Use Kuda more to unlock Premium
It’s simple to access Kuda Premium: earn 50 Kuda Coins per month by making transactions and keeping money in your account.
Better banking starts here
Stress less and get rewarded.
Better returns
Earn up to 16% interest per year on your savings.
Cashback on bills
Earn cashback when you buy airtime, electricity, and more.
Custom themes
Transform your app with themes to match your style.
Higher overdrafts
Spend above your balance when you need extra money.
Insights and tools
Make better money decisions with special features.
Referral rewards
Get up to ₦10,000 cashback when you refer friends.
Why upgrade?
Kuda Premium
Regular account
Annual savings rates
Up to 16%
Up to 14%
Custom app themes
Yes
No
Customer support
Priority
Standard
Discounts from popular brands
Yes
No
Early access to new features
Yes
No
Exclusive Premium events
Yes
No
Overdraft limits
Up to 2x your salary
Up to 1x your salary
Kuda Premium rewards
Some of the features that make Kuda Premium more rewarding.
How to unlock Premium
1. Use Kuda more
Use Kuda as your main bank account to earn Kuda Coins.
2. Earn 50 Coins
Earn Coins by transacting and keeping money in your account.
3. Stay Premium
Keep Kuda Premium by earning 50 Kuda Coins every month.
Kuda Premium FAQs
What is Kuda Premium?
Kuda Premium is the highest level of our rewards program. It’s open to anyone who has a Tier 3 Kuda account (an account with a BVN, an NIN, and a verified address).
What are the benefits of Kuda Premium?
The benefits of Kuda Premium are cashback, referral rewards, discounts for shopping and entertainment, priority customer support, and access to special features like app themes, budgeting, and spending reports.
How do I unlock Kuda Premium?
You unlock Kuda Premium by earning 50 Kuda Coins per month.
How do I earn Kuda Coins?
You’ll earn one Kuda Coin when you make a transaction worth ₦1,000 or more. This could be a transfer, a bill payment, or an airtime purchase. We’ll send you the coin 24 hours after the transaction. You’ll earn 25 Kuda Coins if you maintain an average account balance of ₦50,000 for a month.
What rewards will I get on Kuda Premium?
On Kuda Premium, you’ll get rewards including cashback, referral rewards, discounts for shopping and entertainment, priority customer support, and access to special features like app themes, budgeting, and spending reports.
How do I stay on Kuda Premium?
To stay on Kuda Premium, earn at least 50 Kuda Coins per month.
Do Kuda Coins expire?
If you don’t earn up to 50 Kuda Coins in a month, any coins you earn during that month will expire at the end of the month.
Can I exchange my Kuda Coins for money?
No, you can’t exchange your Kuda Coins for money. After earning 50 coins in a month, all other coins you earn that month will automatically be converted to cashback.
Download the app
Join the millions of people who use Kuda to spend, save, borrow, and get more from their money every day.
